Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX : Received a call from Chase Bank ( per caller ID ) requesting verification of fraudulent activity on my account. I was in the middle of work, but because we were about to leave for an extended business trip/vacation I took the call and advised the caller the transactions they asked about were not authorized. Moments after the call something didnt feel right, I called the same # back and reached Chase customer service. The representative, who sounded just like the person who called me, said she did not see a record of the previous call and assured me that there was no evidence of fraud on my accounts. XX/XX/XXXX : After work, I checked my accounts and discovered over {$7400.00} had been withdrawn without my knowledge or authorization -- through a series of ATM withdrawals and over twenty-five ( 25 ) consecutive transactions by some entity Ive never dealt with before. I called Chase immediately, advised them of the fraud and initiated claims on all three accounts. XX/XX/XXXX : Chase advised us the claim was denied, asserting the withdrawals were either made or authorized by me. XX/XX/XXXX : I disputed Chases findings, affirmed that none of those transactions were authorized and requested the case be elevated for managerial review. I also requested the details they used in reaching their decision ( as offered in their denial letter ) and filed a complaint with the CFPB. XX/XX/XXXX : Chase affirmed ( via letter ) denial of my claim and removal of the temporary credit of {$2800.00} ( putting my account in the negative ). XX/XX/XXXX : Chases reply ( via online message center ) to my dispute was simply to indicate they would not re-evaluate the claim unless/until I submit new information while ignoring my request for the information they used to make their determination. XX/XX/XXXX : Chase ( via letter ) agreed one of the claims ( the smaller one ) was fraud, returned our money and closed that file. Since then Chase executive office conducted an investigation with the CFPB and claim number XXXX and closed the investigation on XX/XX/XXXX saying there was no change to their findings. They were investigating accounts ending in XXXX, XXXX, XXXX. I am requesting they reopen the investigation as my debit card and pin were stolen and used at a local ATM with drawling all of my money within XXXX mins in a span of XXXX days. I have filed a police report # XXXX and am requesting them to pull up the ATM footage of the time the crime was committed. I dont know who stole my information but I was called by a local Chase Branch on Wednesday XX/XX/XXXX telling me my card had fraud and they were going to cancel it. I confirmed and verified it was me and the information they had and thought my card was cancelled from that phone call. On XX/XX/XXXX @ XXXX I received a text message from Chase Fraud asking if I attempted a withdrawal of {$260.00} and I said NO they then closed my card. I went on my account and saw that {$7400.00} was stolen from 2 checking accounts and two savings accounts. I called chase fraud immediately. They started an investigation that was then closed within a week. Thats when I filed with the CFPB which their investigation was closed with no changes on XX/XX/XXXX. I have spoken with the Attorney General of Arizona personally about this and she said this fraud should never be able to happen and Chase is 100 % liable for refunding those fraud transactions. I will not stop pursuing this investigation until all of the funds are refunded back to me.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Chase deducted {$95.00} annual fee for safety deposit box from my checking account in XX/XX/23. I closed safety deposit box approximately 5 years ago. Chase says its still open. Their error. I live in different state and am handicapped. Chase branch says I have to come back to CT and have locksmith drill open box. I turned in key 5 years ago when box closed. Each year I got a bill I dealt with bank and the bills were credited. This year they just took out the fee from my checking account. I need my money and want them to stop billing me for something I no longer have.
Company Response:
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Today in the mail I received an envelope from XXXX inside. The envelope from XXXX wasn't envelope from Chase Bank inside. That envelope was a sapphire reserve Chase credit card with a XXXX credit line. I never applied for this card. When I called the number on the back of the card a person was asking me lots of detailed information so I hung up on them thinking maybe the number was fraudulent as well. That's why I'm reaching out to you.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Chase Business Account Claim Department in Texas Dear CFPB, I am writing to file a complaint against the Chase Business Account Claim Department located in Texas. Since the beginning of this year, they have been engaging in questionable practices that have greatly affected my business operations. My company officially started its commercial activities earlier this year and set up a website, requiring the purchase of various internet-related services. Suddenly, several domestic service providers in the United States, including the Chase Claim Department, seemed to have colluded against me. In the end, I had to set up the website 's server to a company in XXXX to run it normally. They either refused to provide services or, when they did, the services were all open source and were immediately canceled by me. However, they immediately joined forces to siphon funds from my account. This includes clear evidence in the form of emails and receipts showing payments made to the other party. My company has not received a single cent in its Chase account, and they transferred the funds directly to the companies providing the canceled services. From that moment on, Chase 's Business Account stopped depositing any payments to my account, and they have been withholding refunds and payments I have made for over a year. Additionally, this Department has colluded with other businesses to steal money from my account. I have provided evidence showing that these businesses did not provide any services, and their services were supposed to be free for 30 days. I only tried their services for a couple of hours and canceled within that timeframe. However, there have been multiple instances where they took my money and refused to refund it. It appears that they are returning the funds to the service providers, and I have been unable to recover these amounts. The main reason for these issues is that at the beginning of the year, I started various commercial activities, and I may need to try out new projects. Therefore, I experimented with several businesses, but Chase 's account handling department kept returning my money to the service providers and refused to help me recover it. They seemed to be aiding these businesses in stealing money from my account. This eventually led me to change the server settings for my website to ensure normal operations. I kindly request that the CFPB investigate these practices by the Chase Business Account Claim Department in Texas and take appropriate action to rectify the situation. I believe that their actions are unethical and detrimental to my business operations. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had 3 accounts open with chase bank, 2 savings and 1 checking account. I had no idea my account was restricted/closed until I tried to use my debit card to purchase my XXXX When I called, I was told that all 3 of my accounts had been closed permanently and I could go into a branch to withdraw my funds. I went to the bank in person and they told me I couldnt actually do that I have to wait until the account is completely closed before I can do that. So now the money in my accounts are completely frozen, I cant access my own paycheck to pay bills or purchase the medication I need as a XXXX When I asked for a reason why my accounts had been closed and restricted, they wouldnt tell me why just that they would be closed permanently when Ive never had any problems with this bank Ive had this accounts for almost 3 years. So not only is it totally cruel to not even tell someone their account is closing ( I didnt receive a formal notice until a week later via mail ) and I had to find out while swiping my card but it is completely unacceptable to not even give a reason why. My money is frozen there while I wait for them to send me a check that has not been sent and no one can tell me for sure why it was closed or when I will receive access to my phone so I cant get my medication. Its so terribly cruel and unfair I cant believe I ever banked with them
Company Response:
State: LA
Zip: 71107
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: JPMorgan Chase Bank have restricted me from my debit card and i no longer have access to view any of my accounts, notices, letters or statements. I have several refunds and credits going into those accounts, and I need to be made aware if they will be shipping those funds to me through mail or not. This has been nothing but trouble and frustration dealing with this bank. They have charged me over {$600.00} in overdraft fees which I have had to call in and complain about because they post transactions late intentionally to incur these fees.
Company Response:
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a dispute regarding unauthorized charges and the bank rebilled me without fixing the fraud claim
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit cards were stolen along with my phone, I had the same PIN for both and because I have a long term illness which I take medication for I wrote the PIN down in my phone. Over {$800.00} was taken from me, they went to ATMs in parts of town I had never even been to. Of my two banks, XXXX reimbursed me for the {$130.00} taken from that account once I sent them the police report. My other bank, J.P. Morgan Chase Bank are refusing to reimburse me for the stolen funds, {$720.00} from that checking account. They say I authorized the transactions and their investigation was thorough and complete. I gave them all the evidence including the police report and answered their questions, I explained why I wrote the PIN down even though I thought they meant on paper, either way they said they are done and can not help me further. I feel I am a victim of a crime all over again and Chase are giving more protection to the people who stole from me. If they actually engaged with the merchants and looked at the security footage of these random ATMs they would see people stealing from me. I am so devastated by this huge financial knock. I dont feel secure and I no longer trust this bank. The claims team were horrible to deal with, they had awful attitudes and more or less blamed me for what has occurred and said I was making it up.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX JPMCB CARD XX/XX/2023 XXXX I disputed these inquiries because I do not recognize them nor did I authorize them!
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Summary I paid for a 10 hour event but only managed to get into the event 1 hour before its closure. The organizer is not responding to my refund request and my bank refused to open a dispute. Details I paid {$600.00} ( two charges of {$300.00}, one on XX/XX/XXXX and the other on XX/XX/XXXX ) for XXXX tickets for XXXX XXXX XXXX XXXX XXXX XXXX music festival that took place on XX/XX/XXXX with my Chase credit card. XXXX was supposed to be a 3-day event from XX/XX/XXXX to XXXX. After canceling the first day of the event on XX/XX/XXXX, the organizer pushed back the event start time from XXXX to XXXX on XX/XX/XXXX. Upon arriving at the venue around XXXX, I was told the only way to get my ticket was through the XXXX XXXX tent, which had an extremely long line. After waiting for 3 hours without food, water, or restroom, two of my friends left and never got their tickets. I waited in line for 4 hours with another friend to get our tickets and by the time we got into the venue it was past XXXX and the event would end at XXXX. I essentially got an one hour experience after paying for 10 hours. This is clearly unconscionable trade practice based on the NYC CONSUMER PROTECTION LAW, which defines unconscionable trade practice as Any act or practice in connection with the sale, lease, rental or loan or in connection with the offering for sale, lease, rental or loan of any consumer goods or services... which results in a gross disparity between the value received by a consumer and price paid, to the consumer 's detriment. The event organizer never responded to requests for refund from me and my friends and the credit card company Chase refused to open a dispute on my behalf.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A